Not possible to apply for restoration. This is only feasible within 90 days of falling out of status. OP has been out of status for 1.5 years (give or take).My advice here may seems weird or unreasonable but I am open to correction. First, what is your status in the US? I understand you said .."I haven't gone back to the US in two years." If you are US citizen or permanent resident it will make sense to restore your status there. Then you can depart for State. Your husband as a Canadian citizen, I suppose can always visit you there with your child. You can also applied for restoration of your status here in Canada if you have genuine and reasonable ground such as health/medical factor (Interest of a child or compassionate). Though, you might need help of a lawyer or legal expert. On the issue of financing or paying for the services, I believe your husband will be able to take one time credit for the sake of your unification.